I've spend about $879 on bike stuff so far (tracking things in Excel), out of which $150 was on a big-box bike that I bought before I knew better. All costs considered, I save about $80 per month, so I should break even in another 4 months. But I have at least $100 worth of stuff that I still want to buy, so make it 6 months to break even. After that, w.r.t commuting at least, I should just save money.

But that's if I don't get tempted into n+1